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p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GHVNWRSFKDUJHU)=$$DQG YHKLFOHNLWV)=$$RU)=$$ 8VHRIDQ\RWKHUFKDUJHURUDGDSWRUVZLOOLQYDOLGDWHDQ\DSSURYDOJLYHQWRWKLV DSSDUDWXVDQGPD\EHGDQJHURXV 7KHSKRQHDWJODQFH ,QIUDUHG PRGXOH /(' &DOODQG 5HWUDFWDEOH DQWHQQD EDWWHU\FKDUJH LQGLFDWRU ([WHQGWKH DQWHQQDIXOO\ ZKHQPDNLQJ RUUHFHLYLQJD FDOO (DUSLHFH 1DYLJDWHV DURXQGWKH PHPRULHVDQG PHQXV 7HOHSKRQH QXPEHUVPHQXV PHVVDJHVHWFDUH GLVSOD\HGKHUH *UDSKLF GLVSOD\ -R\VWLFN 5LJKWVRIWNH\ SURJUDPPDEOH 9ROXPH NH\V /HIWVRIWNH\ SURJUDPPDEOH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